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APIs · head to head

Increase vs Skaleet

Increase logo

Increase

APIs

Direct banking API for ACH, wires, real-time payments, accounts and cards

From
On request
Rated
-
Full reviewWebsite
Skaleet logo

Skaleet

APIs

Cloud-native core banking and payment hub with deployments measured in months

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Increase the published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.; Skaleet the installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • They diverge on capability: Increase covers ACH origination and receipt, Skaleet covers Cloud-native core.
  • Prices and features above were last checked on 1 September 2026.

Where they differ

Only the attributes on which Increase and Skaleet actually diverge.

Attributes where Increase and Skaleet differ
AttributeIncreaseSkaleet
PlatformsAPI, WebWeb, REST API, Linux

Identical on both: starting price (On request), pricing model (quote), free tier (No), user rating (Not yet rated), category (APIs).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Increase

  • ACH origination and receipt
  • Domestic wires
  • Real-time payments
  • Bank accounts
  • Cards
  • Cheques
  • Sandbox and simulations
  • Audit and reconciliation data

Only in Skaleet

  • Cloud-native core
  • Payment hub
  • Card management
  • Lending
  • API-first
  • Configurable products

What people use each for

The jobs each tool is most often brought in to do.

Increase

  • A payroll or treasury product that needs to originate same-day ACH and wires under its own control rather than through a payment processornot Skaleet
  • A marketplace that must hold seller balances in ledgered accounts with real account and routing numbersnot Skaleet
  • A fintech that wants FedNow and RTP payouts so recipients are paid outside banking hoursnot Skaleet
  • An engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logicnot Skaleet

Skaleet

  • A banking group launching a digital savings or deposit brand in a new country within a yearnot Increase
  • A bank modernising payments to ISO 20022 without replacing its whole corenot Increase
  • A payroll or HR software company adding embedded banking to its productnot Increase
  • A payment service provider needing a ledger and accounts under its existing licencenot Increase

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Increase

  • The published per transaction rates exclude a monthly platform fee that Increase states varies by use case, so the transparent price page cannot produce a total cost and the material part of the deal is still negotiated privately.
  • Free allowances are deliberately small at ten account numbers and five physical cards, so any programme issuing accounts or cards at volume moves to quoted pricing almost immediately.
  • Banking is provided through partner banks, so programme approval, compliance obligations and the ability to launch at all depend on a bank relationship you do not control, and post-Synapse bank risk appetite has tightened considerably.
  • The API deliberately exposes payment rail mechanics rather than smoothing them, which is correct engineering but means a team without payments expertise will build reconciliation and return handling wrongly and only discover it when funds go astray.
  • Coverage is United States only, so a company with international payout needs runs a second provider and reconciles two ledgers, and the single API argument disappears at the first cross border customer.

Skaleet

  • The installed base is in the tens rather than the hundreds, so the pool of consultants and systems integrators who know the platform is small and expensive.
  • Speed references are mostly greenfield launches inside large groups, which is an easier problem than migrating an existing book off a legacy core.
  • It is European-centric, with payment rails and regulatory work concentrated on SEPA and EU requirements rather than global coverage.
  • As a smaller vendor carrying a bank core, it attracts hard concentration and viability questions in procurement that larger competitors do not face.
  • Pricing is unpublished and scaled by accounts and transactions, so a bank whose volumes grow faster than forecast faces cost escalation it did not model.

Pricing, plan by plan

Increase

On request
  • Increase Platform$undefined/month
    • Monthly fee quoted by use case and not published
    • Next-day ACH origination listed at 0.50 US dollars per transaction
    • Same-day ACH origination listed at 2.00 per transaction

Skaleet

On request
  • Skaleet Core Banking Platform$undefined/year
    • Subscription licence scaled by accounts and transaction volume
    • Payment hub licensable separately from the full core
    • Implementation and configuration charged as a project

Which should you pick?

Choose Increase if

  • You need ach origination and receipt.
  • You work on API, Web.
  • You also want domestic wires.
Increase review

Choose Skaleet if

  • You need cloud-native core.
  • You work on Web, REST API, Linux.
  • You also want payment hub.
Skaleet review

Questions people ask

Is Increase or Skaleet better?
Neither clearly leads. Increase starts at On request and Skaleet at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Increase or Skaleet?
Increase starts at On request and Skaleet at On request.
Does Increase or Skaleet run on more platforms?
Increase runs on API, Web. Skaleet runs on Web, REST API, Linux.
What is Increase best used for?
Increase is most often used for a payroll or treasury product that needs to originate same-day ach and wires under its own control rather than through a payment processor, a marketplace that must hold seller balances in ledgered accounts with real account and routing numbers, a fintech that wants fednow and rtp payouts so recipients are paid outside banking hours, an engineering team that needs the underlying return codes and settlement timing visible in order to build correct reconciliation and retry logic. Of those, a payroll or treasury product that needs to originate same-day ach and wires under its own control rather than through a payment processor and a marketplace that must hold seller balances in ledgered accounts with real account and routing numbers are not what Skaleet is typically brought in for.
What can Increase do that Skaleet cannot?
Increase covers ACH origination and receipt, Domestic wires, Real-time payments, Bank accounts. Skaleet covers Cloud-native core, Payment hub, Card management, Lending.

Answered from the vendors’ own pages

Increase: Does Increase publish its pricing?

Partly. Per transaction fees for ACH, wires, RTP, FedNow and cards are listed publicly. The monthly platform fee is not, and it is described only as varying by use case.

Skaleet: What was Skaleet called before?

TagPay. The company rebranded to Skaleet while keeping the same platform lineage.

Increase: Who holds the deposits?

Partner banks, not Increase itself. That relationship determines your programme approval, your compliance obligations and your risk if the bank changes appetite.

Skaleet: Can I buy just the payment hub?

Yes. The payment engine is licensable standalone and can sit over an existing core, which is a common first step.

Increase: Is it international?

No. Increase covers United States rails only, so cross border payouts require a second provider.

Skaleet: How fast are real deployments?

Named European deployments have gone live in six to twelve months, including a Crédit Agricole savings platform live in Germany in eight months.

Increase: How is it different from a middleware BaaS platform?

It exposes the rails rather than abstracting them, showing real return codes and settlement timing. That suits teams who understand payments and punishes teams who do not.

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